There are five ways to add funds to your Monese EUR account:
- SEPA credit transfers in EUR directly to your EUR account
- SWIFT payments in EUR via the Monese International Deposits account
- Instant debit card top-ups
- Instant Apple Pay top-ups
- SOFORT top-ups (available in Germany, Austria, Italy, Belgium, and Spain)
SEPA credit transfers:
You can receive SEPA payments only in EUR to your individual IBAN number (found in the Monese app) from any bank in the SEPA area. This is free and usually takes up to one working day, depending on the time of transfer.
Please note that when opening a EUR account, you will not be able to view your account details until you have verified your address. You can verify your address by receiving and activating your card. You will not be able to view or access your account until you have verified your address.
International SWIFT payments:
From countries not in SEPA you can receive funds sent in EUR via SWIFT payments to the Monese International Deposit Account. The account number and transaction details are described here. This is free from the Monese side, but the sending bank and corresponding banks may charge fees.
Instant debit card top-ups:
To instantly top up your Monese account by debit card, you will need to go to your Monese app and enter your debit card information. This can be found under 'Instant top-up'.
You can choose the amount and have up to 3 different debit cards added at any one time. The card must also be in your name and the funds will show up instantly.
Debit card top-ups are free of charge. Any foreign exchange will be done by the issuer of the debit card used. Please also note that credit cards will not work with this feature.
Instant top-ups with Apple Pay:
To instantly top up your account using Apple Pay, you will need to tap on the Add money section in the home screen and select the instant Apple Pay top-up option.
SOFORT as top-option will be shown under Add money section for EU accounts and for customers living in Germany, Austria, Italy, Belgium, and Spain. SOFORT deposits will be processed within 1-3 working days. You will see the incoming funds pending in your account but the funds will be available for use once the deposit has cleared.
At this time we do not support cash top-up options for EUR accounts.